Meet the Other Phone. Only the apps you allow.

Meet the Other Phone.
Only the apps you allow.

Buy now

Please or to access all these features

AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

See all MNHQ comments on this thread

To believe £780 month lone parent benefits income is adequate to live on.

786 replies

goldfacegreen · 13/01/2014 00:48

There's some myth busting required at last I think.

As a lone parent of two under 6, I receive a total of £780 a month in benefits:

Income Support, Child Tax Credit, Child Benefit, CSA (£5 a week).

I receive full housing benefit for a two bedroom house (£75 shortfall which has to come out of my income support, currently being paid via Housing Discretion Award) which doesnt go into mybank account, it gets paid direct to landlord, and £16 a month council tax shortfall also has to be paid out of income.

I'm on meters and gas and electric are around £20 a week each, some of which pays off accrued debt. Water is deducted directly from my income support via an 'attachment of earnings' type court order.

I don't have loans or credit cards, no landline, no satellite tele, no car, no travel expenses, no socialising costs, don't smoke, my Internet is paid for by someone else although I should have organised a bill swap ages ago Blush and I run an old phone on £10 month contract. My other costs are regular swimming, yoga, wax salon, and I buy school uniform and children's clothing as and when required.

Childcare such as nursery (pre-school), morning and after school clubs are free to those on income support, school holiday clubs are heavily subsidised, as are school meals, dentistry, doctor's prescriptions, council run leisure centre swimming and gym classes, and many other recreation facilities.

My budgeting skills are atrocious but having recently done some sums, I actually have around £250 a month 'spare' from all benefits income. Although for the past year or two I've been constantly overdrawn by around £500 so whenever income is credited, I'm always 'one step forwards, two steps back' amd because of this will never get back in the black again.

So, with better budgeting (I don't buy a regular weekly food shop for instance, instead spend a fortune every few days buying dinners and sundries at the overpriced local Tesco Metro) I just don't understand how so many lone parents claim they can't afford to live on these same benefits.
Even if you have debts, there are features in place to reduce your debt payments to just £1 a week or even write them off altogether as a last resort.

Also, the father of my children earns thousands but fraudulently claims benefits, so he is only required to pay the minimum £2.50 a week per child direct from his benefits. Many lone mothers receive full child support which isn't deducted from their other benefits income, so can be receiving up to £800 a month on top of their benefits depending on what the chikdren's father earns. I have noticed that rarely will lone parents on benefits state this fact or include it in their income along with their complaint.

Yes, it is a struggle trying to support myself and two young children on £780 a month (but mostly because I can't get over this overdraft debt shackle) but on paper, budgeting well, it is entirely doable, and if you are frugal, you could even save a little too.

Why does the Daily Mail stereotype exist that single mothers are rolling in handouts, given the above figures? Just under £195 a week is an adequate income for one adult and two young children, surely..

OP posts:
summermovedon · 13/01/2014 07:13

Bully for you. What if in your situation you live in a rented property where HB does not cover it all because your partner just walked out on you and you hadn't expected to be paying it on your own. You have no savings for deposits and cannot find somewhere else to rent to someone on HB as they won't accept it. Or if you suddenly have a huge expense, unexpected gas or something important breaks. Or you were left with huge debts and bills when your partner walked out. Either way it sounds odd that you are gloating about how well off you are?

17leftfeet · 13/01/2014 07:50

I'm on benefits after being made redundant before Christmas

JSA £71.40 pw
Child tax credit £170 pm
Council tax credit £40pm
Free school meals x2 approx £80 pm
Child benefit £135 pm

That gives me an income of approximately £600 pm

I have a mortgage -payments are £625 pm

I'm tied into a mobile phone contract and I have a loan I'm paying off for my car which was affordable and necessary when I was working

Would you like to guess if I'm struggling or not?

ssd · 13/01/2014 08:09

I applaud the op for being honest, shes talking about her situation, no one elses

if her ex wasnt a benefits cheat and earned a decent income and paid child support she'd be loaded.I know someone in this position.

still think its better to be working, just to get out the house and clear your head and mix with others

good luck in your job search op, have you put your name down with the council for school teaching assistance jobs? the hours would suit you, with the kids, although without a decent full time job you may find you are better off not working...

Joysmum · 13/01/2014 08:18

My mum was on JSA and had the interest on here mortgage paid. All the household bills had to come out of her JSA which I think was only £77pw?

If you added in the job hunting on it's own, it was not doable! Stamps and getting to interviews and the internet, all things needing money upfront and some bits could be claimed back. It was a farce.

annieorangutan · 13/01/2014 08:25

Revenger your wrong the rules changed in september. 2 year olds get it in all areas of country if on 16k or below, full tax credit element or is.

Everyone should of got a letter but lots of people got missed as new scheme so you need to chase.

jacks365 · 13/01/2014 08:37

Although the rules changed in september it doesn't as yet include those on a low income just is, esa along with those who previously qualified due to disability or lac. Some councils provide more and some areas you can't actually access a place even if you do qualify.

annieorangutan · 13/01/2014 08:42

Jack it does I work in that area

annieorangutan · 13/01/2014 08:42

Jack it does I work in that area

WooWooOwl · 13/01/2014 08:43

Single parent benefits are more than enough, and if they aren't then that is usually down to personal circumstances that the state is not and should not be responsible for.

The single mums I know on benefits don't struggle, they actually have very nice lives.

annieorangutan · 13/01/2014 08:43

www.gov.uk/free-early-education

jacks365 · 13/01/2014 08:49

You're right they brought in the last part earlier than announced. How many people though does the income of below £16, 000 apply to? You only qualify if you don't get wtc, it's the same with fsm, how would someone be in that position?

TheGreatHunt · 13/01/2014 08:54

£780 a month isn't that much really.

As for feeling sick - what do you think the state should do Oblomov? Just ignore people in need until they go away? We've got more people than jobs - what do you think we should do? no wonder people thing right wingers are idiots

Objection · 13/01/2014 09:00

It may have already been said and I may have misunderstood but if you have a "spare" £250 of benefit money each month then surely that would pay off your overdraft in two months and then accrue savings?

(and overdrafts ARE debts, so you're not debt free)

annieorangutan · 13/01/2014 09:06

Loads of people jack. A large proportion of our town as our nurseries are full and we have lots of nurseries.

Custardo · 13/01/2014 09:13

Objections post is hugely relevant - why not pay off your overdraft?

I would like to reiterate this

People don't go on benefits with a blank page - they have had a life, debt they could manage etc. when you are then claiming benefits you are in a place it is very difficult to get out of

not all libraries have free wifi - ours doesn't

not all places hand out free appliances - in fact you say you know of many - I have never heard of any. there are recycle charity places where you can get them CHEAPER - but if you have existing debt paying a lump £200 for a fridge freezer whilst admittedly better than paying £700 for a new one - is still unmanageable

and short term as second hand wont last a long time for many - so actually its rarely value for money

SPsMrLoverManSHABBA · 13/01/2014 09:15

Woo Just because you know people who are having great lifes on benefits, doesn't mean everyone is!

annieorangutan · 13/01/2014 09:16

I think it depends on you area. Jack doesnt know many people on 16k or below household income whereas I dont know that many households on above that.

In areas like mine you can live a decent life of benefits as the whole town is geared up for it. You can get furniture for a significant price off in the charity shops if you show your benefit form .

TheGreatHunt · 13/01/2014 09:16

I also agree with Objection

--wonders if this OP is on a wind up*

MoreBeta · 13/01/2014 09:18

This is from the Office of National Statistics:

"For the tax year ending 5 April 2013 median gross annual earnings for full-time employees on adult rates who had been in the same job for at least 12 months (including those whose pay was affected by absence) were £27,000. This was an increase of 2.1% compared with £26,500 in the year ending 5 April 2012."

Using an online calculator that equates to a take home pay of £21,178.60 after tax and NI.

Goldfacegreen - your analysis is fair and reasonable. and many people are in your position.

You receive £780 per month plus housing benefit which cover the rent on a 2 bed house. The HB falls short by £75 per month but you also receive other benefits in kind (eg. free school meals) which added probably offset that shortfall.

In my area which is economically depressed a 2 bedroom house can be rented for £400 per month.

In total then you are receiving benefits of around £1200 per month or £14,400 per annum.

That is approximately 68% of the median after tax income of a full time salaried employee. You do not have to bear the cost of travel to work, work clothes and other inevitable sundry expenses of going out to work.

Overall your net income after tax and expenses is probably close to 75% of a full time salaried worker.

That income is not generous but if it was any higher the incentive for more than 50% of the population to work would disappear entirely. You are right that with careful budgeting you can manage on your benefits but like many people who are working you cannot afford luxuries.

jacks365 · 13/01/2014 09:20

Annie you misunderstood my post I know plenty of households on less than £16k but they either are on benefits which qualify them for fsm in their own rights or they get wtc which means they don't qualify. What I don't know are people who have that low an income and not fall into those brackets.

GlitzAndGiggles · 13/01/2014 09:22

Bloody hell you earn more than me and I work :(. It sounds like you're budgeting fairly well apart from the salon trips. DIY!

annieorangutan · 13/01/2014 09:24

You can claim tax credits just not the in work childcare element but there are more people not in any work than in work here.

FunkyBoldRibena · 13/01/2014 09:25

You get free housing luv. Think yourself very fucking lucky.

annieorangutan · 13/01/2014 09:26

Here out of a 40 place nursery we only have 7 families not entitled to the 2 year old scheme.

Dollslikeyouandme · 13/01/2014 09:28

Late to this thread but just to add, op you have two children, a single parent of one child would receive much less, but many outgoings would still be the same.

Swipe left for the next trending thread